Financial Services Guide

A guide to the services we provide

About Us

Hive Empire Pty Ltd ABN 18 118 725 125 trading as finder.com.au is a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd (“Advice Evolution”). Advice Evolution (AFSL No. 342880) has authorised us provide general financial product advice and to arrange and deal in financial products. Additional detail on this arrangement, and the services we are authorised to provide, are contained on our website.

This means that when Hive Empire (“we”) provide you with factual information, or general advice, about financial products (such as deposit accounts or life insurance) or when we help you purchase these products, we are doing it as their representative.

Although we can provide you with comparative information about a range of financial products, any advice we provide will be general advice and won’t be tailored to your personal circumstances. You shouldn’t make any decision without considering your own needs and understanding that any advice we provide will be general and might not suit your personal circumstances.

If you need personal advice please let us know and we can refer you to an advice professional who can provide you with the service you require.

We are physically located at:

• Level 10
• 99 York Street
• Sydney NSW 2000

You might find it more convenient to locate us at finder.com.au.

It is important to appreciate that we are also a Corporate Authorised Representative (423664) of Countrywide Tolstrup Financial Services Group Pty Ltd (AFSL No. 244436) who has authorised us provide general financial product advice on general insurance products and to arrange and deal in these general insurance products. Additional details on this arrangement, and the services we are authorised to provide, are contained on our website.

The purpose of this document

The FSG is designed to help you understand the services that we are authorised to provide and to decide whether you wish to use the services we offer.

This document outlines:

• The services and types of products that we are authorised to provide to you;
• How we are paid for the services we provide;
• Any associations, interests or relationships that might influence our advice or the services we provide; and
• How you can provide us with feedback on our services or get help if you have a problem.

Advice Evolution have authorised us to distribute this FSG.

Our services

finder.com.au was established to provide consumers with the information and tools they need to understand and compare a range of products and services – including deposit products and life insurance.

We believe that by helping you to compare and understand financial and insurance products we’re helping you to take control of your financial situation. The factual information and general advice we provide can help you make better decisions and free you from financial anxiety. Although we’ll only provide you with factual information and general advice, if you need professional advice tailored to your specific needs and circumstances we can refer you to a professional adviser.

Our products and service

We provide comparative information and general advice on savings accounts, term deposits and life insurance and income protection products.

Although we provide information on the products offered by a wide range of providers, we don’t cover every product available and you should consider whether the products featured on our site are appropriate for your needs.

We are authorised to provide general advice and deal in life insurance products, basic deposit products and term deposits. The advice we provide is in the form of comparative information on the financial products listed on our website. We can provide you with information on these products and, should you wish to purchase a product, we can refer you to the product provider.
In some cases, we’ll need to collect certain information from you to provide you with a quote. Please understand that we don’t recommend that a specific product is appropriate for you because we don’t know enough about your circumstances to provide you with personal advice, so you have to consider your own situation and needs to determine the appropriateness of the information we provide.

We don’t provide personal financial product advice so you’ll never receive a Statement of Advice (“SoA”) from us.

Product Information

Should you decide to purchase any of the products about which we provide factual information or general advice, we encourage you to read the Product Disclosure Statement (“PDS”) for that product. The PDS is designed to assist you to understand the financial product, its risks and benefits as well as the fees and charges.

The PDS can be found on the provider’s websites.

Costs and Conflicts

Neither Hive Empire nor Advice Evolution are owned by Fund Managers, Insurers or Banks so the services we provide are not directly influenced by product manufacturers. We are however a commercial enterprise and we do receive remuneration from product issuers should you proceed to arrange a policy or open an account. We may also receive remuneration for referring you to a product or advice provider. However, our staff are salaried employees and do not receive any additional benefits that may influence the general advice or factual information that they provide to you. Any payment we receive is paid to us by the Issuer and is not a direct cost to you. We pay a flat annual fee to Advice Evolution for our authorisation and professional indemnity insurance.

Our remuneration

We earn income from generating qualified referrals to financial institutions. A referral is generated when you visit a financial institution's website via a link from our website. If you visit a provider's website via our website, we may get paid either for that click itself or if you transact with the provider. Some examples include applying for insurance, opening a savings account or completing an application form on the provider’s website. We receive commission share on referrals to third party advice providers and they will disclose this in their advice to you. We also generate revenue from display advertising which includes banner advertisements.

Advice Evolution

finder.com.au is a Corporate Authorised Representative of Advice Evolution Pty Ltd ABN 66 137 858 023. Advice Evolution is an Australian Financial Services Licensee (no. 342880) located at:

• Suite 302
• 20 Bungan Street
• MONA VALE NSW 2103.

Protecting your privacy

The privacy of your personal information is important to us and we respect your confidentiality. We won’t ask you for information we don’t need but, in order to provide quotes and some comparative information, we may collect some personal information from you.

You have the right not to provide the personal information we request, but this may compromise the effectiveness of the advice or information you receive. Rest assured that any personal information we collect or receive will be handled in accordance with our Privacy Policy.

Professional Indemnity Insurance

We maintain professional indemnity insurance to cover the information, advice, and services we provide. Our policy satisfies the requirements imposed by the Corporations Act 2001 and financial services regulations.

Feedback and dispute resolution

We welcome your feedback on the information and service we provide and we encourage you to submit your views via our website.

While we hope that you’ll be delighted with our service, if you do have any problems or concerns please:

• Contact us directly and tell us about your complaint.
• If your complaint is not satisfactorily resolved within three days, please contact Advice Evolution Pty Ltd on 137 292 or put your complaint in writing and send it to:
  • Advice Evolution Pty Ltd
  • Suite 302, 20 Bungan Street,
  • MONA VALE NSW 2103

Advice Evolution Pty Ltd will try to resolve your complaint quickly and fairly.

If your complaint has not been resolved satisfactorily, you may escalate your complaint to one of the following independent services.

The Australian Securities and Investments Commission (ASIC) may be contacted on 1300 300 630 to find out which body may be best to assist you in settling your complaint.